D&T - "why would you support the quasi-legal Bitcoin market which is almost so tiny "
For the huge potential growth opportunity, same reason most risky startups get funded.
If you could attract a tiny fraction of the huge p2p-loan market, you'd be going from 'almost-nonexistent' to .. .well, many times that!
The idea is that such a marketplace could have greater efficiency by exploiting the cost-efficiency of BTC.
If I recall, in the early phases of the p2p lending space, the companies managed to get started and gain lots of traction before they ran into SEC issues... and were able to thrive despite those hurdles.
As per earlier conjecture, what if you could build a parallel infrastructure that relies on its own feedback / social proof, credit-risk mechanisms? ebay, amazon, and silk road all do this... you can buy & sell virtual goods (think of BTC as universal virtual goods not currency... ), buyers&sellers establish records that are hard to fake, etc... it's not perfect but neither is Visa.
Maybe an interesting question is whether one could legally lend/rent virtual objects in an existing marketplace like ebay..?
So correct me if im wrong here, But your complaint about the services that are avalible, Is the fact that they have a Minimum %?
In the event that i am wrong, Here is my second guess, If i am wrong here, then i've got no aim and i shouldnt be here.
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I having a hard time wrapping my head around what you want, In my head What your saying is "I want to Directly Loan to, And recieve Loans From other bitcoin users, Whilst at the same time, Leave feedback"
This can be achieved (and i do it all the time) By going into the Bitcoin-OTC, Users are all Verified and Majority of transaction are Logged Via user Posts
http://bitcoin-otc.com/viewratings.phphttp://bitcoin-otc.com/viewratingdetail.php?nick=DingoRabiit&sign=ANY&type=RECV <--My rating, Showing that i have done a Loan in the past Via the OTC.
Now i understand that the OTC is not what you desire,
I THINK, What your asking for is a "P2P Tracked Lending Specific Service"
You are correct, That does not exsist, Because So far, There is not enough "market" to operate in.
On another note, That "lending market" Is highly dominated by IBB, So if your going to make an attempt at a Tracked P2P Direct Lending program.
Goodluck.